28.05.2021 – 07:30
CHECK24 GmbH
–
Munich (ots)
- 68 Prozent der verheirateten Kreditnehmer*innen nehmen Darlehen alleine auf - Durch Kreditaufnahme zu zweit sparen Verbraucher*innen bis zu 600 Euro an Zinsen - Bei Verbraucherfragen zu Ratenkrediten unterstützen mehr als 300 Kreditexpert*innen persönlich
Two borrowers who take out a loan together usually receive cheaper interest rates than one person. Nevertheless, married couples mostly do not take out a loan together and thus forego a possible improvement in the loan conditions. Only 32 percent of married borrowers took out a loan for two in 2020.1)
“Many married couples miss out on better terms for their loan”says Christian Nau, Managing Director Loans at CHECK24. “Banks often offer improved interest rates for loans for two, so married borrowers should take advantage of this and save costs.”
By borrowing in pairs, consumers save up to 600 euros in interest
In 2020, individuals paid an APR of 4.01 percent for a loan of EUR 10,000 with an 84-month term. For a jointly taken out loan with the same loan amount and term, 3.08 percent were due. This means an improved interest rate of 23 percent and reduced interest costs by 345 euros. 2) With a loan amount of 20,000 euros, the interest also fell by 23 percent, the interest costs even by 612 euros.
“Two borrowers mean a lower risk of default for the bank because both are fully liable”says Christian Nau, Managing Director Loans at CHECK24. “This is usually rewarded with better interest rates. In addition, the greater financial leeway enables higher loan amounts and increases the likelihood of acceptance.”
The process of joint borrowing is no different from an application by an individual. Once the key data of the financing project are in place, the borrowers can compare different offers online and submit a loan request from home. It is important that both parties are jointly and severally liable for the joint loan – regardless of whether they are couples, relatives or friends. So in the full amount of the loan.
A digital loan agreement saves you going to the post office or bank branch
Since the beginning of 2017, CHECK24 has made it possible to take out a loan completely digitally. The handwritten signature and the sending of the loan agreement to the bank are no longer necessary. The identity check is also carried out from home, using the digital identification process – this is not only convenient, especially in times of Corona, but also secure.
More than 300 credit experts provide personal support for consumer questions about installment loans
If you have any questions about consumer loans, over 300 CHECK24 credit experts advise personally on seven days a week by phone or email.
1) Basis: all installment loans concluded in 2020 via CHECK24
2) Basis: all installment loans concluded in 2020 via CHECK24 over 10,000 euros and 20,000 euros and a term of 84 months
About CHECK24
CHECK24 is Germany’s largest comparison portal. The free online comparison of numerous providers creates consistent transparency and customers often save several hundred euros by switching. You can choose from over 300 car insurance tariffs, over 1,000 electricity and over 850 gas providers, more than 300 banks and credit brokers, over 350 telecommunications providers for DSL and mobile communications, over 10,000 affiliated shops for electronics, household and car tires, more than 150 rental car providers, over 1,000,000 accommodations, more than 700 airlines and over 75 package tour operators. The use of the CHECK24 comparison calculator and personal customer advice seven days a week is free for consumers. CHECK24 receives remuneration from the providers.
CHECK24 supports EU quality criteria for comparison portals
Consumer protection is a top priority for CHECK24. Therefore, CHECK24 actively participates in the implementation of uniform European quality criteria for comparison portals. The EU Commission’s catalog of principles “Key Principles for Comparison Tools” contains nine recommendations on objectivity and transparency, which CHECK24 fulfills in all points – including rankings, market coverage, current data, customer reviews, user-friendliness and customer service.
Press contact:
Florian Stark, Public Relations Manager, Tel. +49 89 2000 47 1169, [email protected]
Daniel Friedheim, Director Public Relations, Tel. +49 89 2000 47 1170, [email protected]
Original content from: CHECK24 GmbH, transmitted by news aktuell
– .
